BlastPoint's Banking Scorecard
Teutopolis State Bank
Teutopolis, IL
3 branches across IL
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 211 in IL.
- Deposits -5.2% year over year ($309.0M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.77%.
- Efficiency ratio 38.59% vs a 64.48% peer average.
- Loan-to-deposit ratio 58.44% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Teutopolis State Bank has 4 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 25.89% below tier average
- + Delinquency Rate 0.92% below tier average
- + Nonperforming Asset Ratio 0.67% below tier average
- + ROA 0.45% above tier average
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 11.0% in tier
- - Net Interest Margin 0.31% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$358.5M
-3.2% YoY
+0.4% QoQ
|
-$28.0M |
$386.6M
+1.2% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
56% |
| Total Loans ? |
$180.6M
+1.3% YoY
+0.1% QoQ
|
-$77.7M |
$258.3M
+1.7% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
44% |
| Total Deposits ? |
$309.0M
-5.2% YoY
+0.2% QoQ
|
-$17.7M |
$326.7M
+0.7% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
57% |
| Return on Assets ? |
1.77%
+10.4% YoY
+9.0% QoQ
|
+0.45% |
1.32%
+10.8% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
79% |
| Net Interest Margin ? |
3.68%
+11.3% YoY
+2.2% QoQ
|
-0.31% |
3.99%
+5.0% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
36% |
| Efficiency Ratio ? |
38.59%
+2.0% YoY
-5.5% QoQ
|
-25.89% |
64.48%
-3.2% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
Top 2.9% in tier |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.92% |
0.92%
+15.7% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
58.44%
+6.9% YoY
-0.0% QoQ
|
-19.51% |
77.95%
+1.0% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
85% |
| Non-Interest-Bearing Deposit Share ? |
26.00%
-4.8% YoY
+4.2% QoQ
|
+3.97% |
22.03%
-0.6% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
70% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.67% |
0.67%
+16.4% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
14.72%
+10.2% YoY
+3.0% QoQ
|
-1.19% |
15.91%
+1.4% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
63% |
| Non-Interest Income / Assets ? |
0.18%
+10.2% YoY
+120.5% QoQ
|
-0.38% |
0.57%
+7.6% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
45% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
26.0%
-1.3pp YoY +1.1pp QoQ |
+3.9pp | 22.1% | 20.1% | 22.2% | 69% |
| Brokered Deposits | n/a | n/a | 7.9% | 8.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
12.9%
-0.5pp YoY +0.7pp QoQ |
+1.3pp | 11.6% | 14.7% | 12.5% | 68% |
| CRE | n/a | n/a | 39.5% | 37.9% | 41.4% | n/a |
| 1-4 Family |
31.0%
+1.4pp YoY +0.6pp QoQ |
-1.6pp | 32.6% | 28.3% | 31.3% | 54% |
| Consumer |
3.3%
-0.7pp YoY -0.1pp QoQ |
-0.8pp | 4.1% | 5.4% | 5.0% | 64% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 19.9% | 19.7% | n/a |
| Leverage Ratio |
14.7%
+1.4pp YoY +0.4pp QoQ |
+2.5pp | 12.2% | 12.2% | 12.6% | 85% |
| Total Capital Ratio | n/a | n/a | 19.9% | 20.9% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
41
+2 (+5.1%) YoY +2 (+5.1%) QoQ |
-18 | 58 | 228 | 482 | 42% |
| Assets per Employee ($) |
$8.7M
-8.0% YoY -4.5% QoQ |
+$1.2M | $7.5M | $8.3M | $8.8M | 77% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 10 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 1.1% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 5.62x | 20.23x | n/a |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY -0.1pp QoQ |
-0.2pp | 0.1% | 0.1% | 0.2% | 13% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.4%
-0.6pp YoY +1.0pp QoQ |
+1.2pp | 12.2% | 10.5% | 11.6% | 58% |
| Cost of Funds (YTD) |
1.1%
-0.1pp YoY 0.0pp QoQ |
-0.6pp | 1.7% | 1.6% | 1.7% | 14% |
| Net Income ($, YTD) |
$3.2M
+10.4% YoY — QoQ |
+$607K | $2.6M | $11.7M | $40.4M | 72% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.